2013 CIS Logo
November 7th, 2014
Guiding You Through the Insurance Labyrinth

Critical Open Enrollment Announcements!

Medicare Part D Plans 
(Prescription Medication Coverage)

Medicare Part D prescription drug plans change every year in terms of costs, deductibles and which medications are covered under the standard formulary.

Check your medication list at www.medicare.gov or ask us to check for you by supplying a list of current medications, your zip code and preferred retail pharmacy. If you want assistance with this, the deadline (for our purposes) is November 30.

The Medicare Advantage and Part D Open Enrollment period ends December 7th, 2014.

Covered California Enrolled Clients

It's time for you to renew your Covered California individual and family plans for January 1, 2015.

This is the time to make plan changes if you want a different network of doctors, need to update your financial projections for next year, or any other changes that will affect you or your dependents.

It's easy for us to renew you online. Even though we are told you don't have to do anything if nothing has changed, we'd rather be safe.  It takes about 3-5 minutes if you are not making changes.

Please make an appointment if you want help renewing your Covered California policy.

Health Net Covered California Clients

It's time for you to renew your Covered California individual and family plans for January 1, 2015.

Unfortunately, your PPO plan is being discontinued but you can re-enroll on the Health Net Exclusive Provider Organization (EPO) plan. At this point, the provider list has not been finalized, but you can expect that the following providers will not be available on the EPO:

  • Sutter Health and affiliates, including Palo Alto Medical Foundation and California Pacific Medical Foundation
  • UC Medical Groups
  • Mercy Physicians

There are different physician networks available for our Southern California clients.


If you are able to pay full price for your coverage and you really want to stay with Health Net, we can help you switch to the standard PPO, which would not involve Covered California. 

About Caffrey Insurance Solutions 


405 14th Street, Suite 711

Oakland, CA 94612

Phone: 510-444-5447

Caffrey Insurance Solutions is a family business that provides insurance brokerage expertise for small companies (fewer than 50 employees) and individuals seeking individual or family coverage. We also provide Medicare assistance.  

Caffrey Insurance Solutions works with you to find the best insurance benefits that provide the best value, all tailored to the unique needs of you or your company. 


Lynn Profile

Lynn Caffrey, PrincipalGabriel Caffrey, Broker
CA License 0557451, Agency License 0G80281CA License 0H66348, Agency License 0G80281

Solutions -- Not Problems
A Small Group Policy May Be For You

New mom and pop groups are no longer eligible unless there is a non-spousal W-2 employee.


Owner only groups are generally not allowed, including partnerships, unless there is a W-2 employee on payroll.


The new group plans are similar to the individual plans being marketed but there are other choices as well and many have lower out of pocket maximums, in addition to much better access to services and the usual tax advantages of small group coverage.


"The medical insurance sector is complicated to navigate at the best of times and...with the whole ACA thing...it became almost impossible for me.  Luckily, I crossed paths with Gabriel Caffrey of Caffrey Insurance Solutions and that was a fantastic break. Not only was Gabriel able to explain the tangled web of medical insurance in a manner that I was able to comprehend, but he implemented the insurance solutions for myself and my employees in such a manner that I barely had to do anything. 

It was an incredibly easy and painless process and since then, Caffrey Insurance Solutions has taken care of any and all the issues that did crop up. If you want medical insurance, get a broker, and if you want the best, I really recommend you visit the Caffrey family!" 

--Andrew Gregor, Blue Dog Construction


"Lynn really helped me in dealing with a declined insurance claim by guiding me through the appeal process and communicating with the insurance provider. She offered continued support until the claim was reviewed and finally resolved. I truly believe that Caffrey Insurance Solutions' dedication in providing insurance as well as exceptional care and support to clients is invaluable."  

--Current Individual Client


"Caffrey Insurance Solutions walked us through every state and step of a quite complex system, and we were successful! Without their help I do not believe we would have managed...I would refer anyone with insurance questions to Caffrey Insurance Solutions, and to Lynn Caffrey in particular."

--Alan B.


"Your expert advice is always appreciated. I literally don't know what I would do without you. You give me the most valuable gift of all: time."

--Scott Gordon


"I'm glad there are individuals like Gabriel who can break it down so the average joe can understand the ins and outs of each plan, and make better-informed decisions."

--Kerwin K.

"You are different from any image I have had of an insurance broker. I simply enjoy being with you. I experience a combination of efficiency, care, honesty, commitment and flexibility. I couldn't ask for better."

--Miki Kashtan


Facebook    Twitter    LinkedIn    Pinterest